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Discussion Starter · #1 ·
I had always been told that student loans could be gotten in various amounts depending on what you need financially anywhere from just a few hundred a year for books to enough for classes, supplies and living expenses...<br><br>
Is that right? does anyone have experience with this? I had planned on using grants/scholarships to pay for classes as much as i could and getting a part time job (just about 10-15hrs/wk) and then making sure my student loans covered everything else...is this just a pipe dream? <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/redface.gif" style="border:0px solid;" title="Embarrassment">
 

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Do you know the school you are going to attend? You can go talk to a financial advisor and they will help give you an idea of what you can apply for.<br><br>
I am a student and my courses/books and a little extra are all paid for through grants. It helps. If you check, we've had posts on this before, you can look through old pages and might find more information.
 

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I was able to cover living expenses. Maybe it helps if you to to a low cost of living area college.<br>
Keep going I wound up loving college<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile">
 

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Hi,<br>
I see that you're in Nebraska. Depending on what you want to do, you might consider The College of St. Mary in Omaha. My cousin went there and lived on the "single mom floor". She was able to get a BSN with tons of support from the school and other mamas and financial aid. The school is amazingly supportive of moms, especially single moms and they provide a lot of financial help. You will probably qualify for a lot of aid no matter where you go because you are a single mama. A friend of mine from college was a single mom and she graduated debt free with her BA b/c there was so much support (at our public Nebraska school) available at the time- those were the "good old days" though, so I really don't know what's happened since welfare reform.<br><br>
Good luck, you CAN do this! There is a lot of support out there if you know what you want!
 

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I have enough to cover living expenses; because it's considered a loan and they know they're gonna get it all back one way or another <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/wink1.gif" style="border:0px solid;" title="wink1">
 

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Oh dear, I was there just a few days ago (waiting to hear back on how much I could get) - thank goodness I heard back from FinAid yesterday <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/thumb.gif" style="border:0px solid;" title="thumbs up"> - it looks like I'll be able to get a few thousand dollars a semester in actual cash - grants are covering tuition & books (roughly) and I took out the max in the loans they would allow. It's not enough to live on here, but if I was getting cs and didn't have so much debt, I might be able to make it work w/o working FT.<br><br>
I'd fill out your FAFSA asap (the deadline for priority consideration for Fall 2006 at my university was March 1st, then first-come-first-serve) and then contact the FinAid dept at the university you want to go to.<br><br>
The general calculation I was seeing was:<br><br>
COA (cost of attendance - see your university website)<br>
- EFC (estimated family contribution - from your FAFSA)<br>
------<br>
= "financial need"<br><br>
your grants and scholorships will be applied to your financial need and then you can borrow whatever is left (if your "financial need" is $5000/year and you get $1000/year in grants, etc - then you can borrow $4000/year in loans)<br><br>
If you take out tuition & books from your "financial need", then you can expect the rest to be $$ in your pocket<br><br>
I'm not sure if that's 100% accuate (summer semester will be my first term back at school on finaid) - but it will give you a rough estimate to see if it's even close to possible to survive on your finaid.<br><br>
good luck !
 

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If you go through the FAFSA (gov'nt loan), they will offer you an amount after you fill out a form that evaluates your situation. If you do not want to accept all of the loan, you chose a lesser amount when you fill out the acceptance letter. If you are going to UNL, the Admin office can be helpful, if you are persistant and go in knowing what you need to find out (they get less helpful if you aren't very clear). You might talk to Student Accounts first, which is next to the Bursur's office.
 

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Discussion Starter · #8 ·
thank you. I'm going to do the academic transfer from scc to unl and then probably on to unmc. I want to be a ultrasonographer. I am going to fill out the FAFSA in the next week or so since i'm filing my taxes tonight (i know late lol)
 

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Well, I was at UNL for six semesters+, all with loans. Then I worked on campus for another three or four months (til just last fall). I live in Lincoln, but I'm moving to Omaha. PM me if you have any questions.
 

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Discussion Starter · #10 ·
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<div>Originally Posted by <strong>Wolfcat</strong></div>
<div style="font-style:italic;">Well, I was at UNL for six semesters+, all with loans. Then I worked on campus for another three or four months (til just last fall). I live in Lincoln, but I'm moving to Omaha. PM me if you have any questions.</div>
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wow another Lincolnite! I didn't know we were all so crunchy <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/wink1.gif" style="border:0px solid;" title="wink1">
 

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We hide... well.
 

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Discussion Starter · #12 ·
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<table border="0" cellpadding="6" cellspacing="0" width="99%"><tr><td class="alt2" style="border:1px inset;">
<div>Originally Posted by <strong>Wolfcat</strong></div>
<div style="font-style:italic;">We hide... well.</div>
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LoL. apparently <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile">
 

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I just saw this thread and had to comment. I'm currently fighting with my school to increase my ECOA to include some medical expenses. They are being difficult about it and most schools ime won't make any adustments on a case-by-case basis.<br><br>
For example, my school thinks that parking should cost me $1000 a year, but transportation $200. And that room and board should be $6800 a year. An apartment that cheap is not within walking distance. I know of no way to own and operate a car for $200 a year. If i'm not supposed to own a car, why do I need $1000 for parking.<br><br>
Health insurance is supposed to cost me $800/year (well, two terms/eight months). Anyone know of any way at all to get health insurance for $800?!?!?<br><br>
So we are having a hard time making ends meet on my loans. We're having a hard time making ends meet on my loans plus DH's unemployment. We're having a *really* hard time because I have medical expenses and we're trying to pay for a homebirth.<br><br>
If you can find a school that expresses a willingness (and will follow through!) to work with you and make sure you can actually afford little things like a way to get to class and essential medical care for yourself and your family, that is a school worht attending!
 

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Discussion Starter · #14 ·
oh wow! I never knew it could be like that! that is outrageous they would allow more for parking then transportation! gas alone would be over $200/yr!
 

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This is a good thread...I don't have anything to add, but it was helpful reading all the replies. I was accepted into an LPN program, but I won't start until August. I got my '05-'06 FAFSA in quite awhile ago, but now I need to do an '06-'07 FAFSA...haven't heard back about fin-aid yet. I guess they don't send the letters out for another month or so. I'm soooo nervous...there's so much to think about...aaaacccckkk...good to know I'm not the only mama on here going through this. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/innocent.gif" style="border:0px solid;" title="shy">
 

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Discussion Starter · #16 ·
Dawn yeah it was helpful for me to not feel so alone. my problem is that i haven't been in school for SO long. I dropped out after I m/c b/cuz they wanted me to reenroll for the SAME classes i'd already taken 2x before and got my GED when I was preg w/caleb. so i haven't been IN school since 2002 and i'm so nervous about starting college <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/shy.gif" style="border:0px solid;" title="innocent">
 

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Let me know if you have any ?? about UNL campus life... I'll be glad to pass on info.<br><br>
BTW:<br>
Get a bus pass... they're free at UNL Parking. Take your student ID with you.<br><br>
Third floor, City Campus Union, Women's Center - run by Jan Deeds, an AP kind of woman and used to be involved in Planned Parenthood, so she's an EXCELLENT resource.<br><br>
Of course, with that major, you're probably going to spend a lot of time on East Campus. Get to know CYT library (they're cool), the arboritum (tree place) and the UNL Dairy store (decent food, good eggs, awesome ice cream).
 

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Yeah, I dropped out of HS back when I was 17...got my GED this last October two days before my 29th birthday (my gift to myself)...but I haven't actually been in a 'classroom' situation for twelve years, so yeah, YIKES. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/redface.gif" style="border:0px solid;" title="Embarrassment">
 

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Discussion Starter · #19 ·
Thank you everyone my EFC is 0 I hope that's good cuz my mom flat refused to pay anything just like she flat refuses to babysit for me ever.<br><br>
I submitted the FAFSA today and I'm gonna mail out the sig page tomorrow. SCC has an open house april 26 and i'm gonna go to it and apply then. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/orngbiggrin.gif" style="border:0px solid;" title="orange big grin"><br><br>
I'm kind of excited!
 
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